| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 6 de agosto de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.623940 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 6/8/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,583.3 | 256,578.2 | 6,994.9 | 2.8 | -47,580.3 | -46,281.4 | 1,298.9 | -2.7 | 202,003.0 | 210,296.8 | 8,293.8 | 4.1 |
| 1. Activo externo 1/ | 249,583.3 | 256,578.2 | 6,994.9 | 2.8 | 8,221.3 | 8,320.0 | 98.7 | 1.2 | 257,804.6 | 264,898.3 | 7,093.7 | 2.8 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -54,601.5 | 1,200.1 | -2.2 | -55,801.6 | -54,601.5 | 1,200.1 | -2.2 |
| II. ACTIVOS INTERNOS NETOS | -65,901.5 | -75,432.1 | -9,530.6 | 14.5 | 482,439.5 | 504,734.0 | 22,294.5 | 4.6 | 333,856.6 | 351,137.6 | 17,281.0 | 5.2 |
| 1. Actividad crediticia | -15,061.6 | -13,096.7 | 1,964.9 | -13.0 | 442,571.7 | 466,469.9 | 23,898.2 | 5.4 | 427,510.1 | 453,373.2 | 25,863.1 | 6.0 |
| 1.1 Al Sector público neto | -17,119.7 | -15,154.8 | 1,964.9 | -11.5 | 34,243.3 | 40,550.4 | 6,307.1 | 18.4 | 17,123.7 | 25,395.6 | 8,271.9 | 48.3 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 426,755.3 | 17,668.2 | 4.3 | 409,087.1 | 426,755.3 | 17,668.2 | 4.3 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 314,091.4 | 11,646.1 | 3.9 | 302,445.3 | 314,091.4 | 11,646.1 | 3.9 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 112,663.9 | 6,022.1 | 5.6 | 106,641.8 | 112,663.9 | 6,022.1 | 5.6 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,215.3 | -77.1 | -6.0 | 1,299.3 | 1,222.2 | -77.1 | -5.9 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 755.5 | -55.2 | -6.8 | 817.7 | 762.5 | -55.2 | -6.8 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.8 | -21.8 | -4.5 | 481.6 | 459.8 | -21.8 | -4.5 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 66,755.7 | -3,200.3 | -4.6 | -30.8 | -14.0 | 16.8 | -54.5 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,685.4 | 11,386.0 | -1,299.4 | -10.2 | -9.2 | -8.6 | 0.6 | -6.5 |
| 4. Otros Activos Netos | 12,375.3 | 8,944.2 | -3,431.1 | -27.7 | -68,566.9 | -70,743.9 | -2,177.0 | 3.2 | -56,191.6 | -61,799.7 | -5,608.1 | 10.0 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,124.5 | 55.6 | -1.3 | -4,180.1 | -4,124.5 | 55.6 | -1.3 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -71,279.6 | -8,064.4 | 12.8 | 29,973.4 | 34,990.8 | 5,017.4 | 16.7 | -33,241.8 | -36,288.7 | -3,046.9 | 9.2 |
| 7.1 Con entidades públicas | -27,260.4 | -31,122.7 | -3,862.3 | 14.2 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -31,122.7 | -3,862.3 | 14.2 |
| 7.2 Otros inversionistas | -35,954.8 | -40,156.9 | -4,202.1 | 11.7 | 29,973.4 | 34,990.8 | 5,017.4 | 16.7 | -5,981.4 | -5,166.1 | 815.3 | -13.6 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,681.8 | 181,146.2 | -2,535.6 | -1.4 | 434,859.2 | 458,452.6 | 23,593.4 | 5.4 | 535,859.6 | 561,434.4 | 25,574.8 | 4.8 |
| IV. DINERO PRIMARIO | 170,987.3 | 169,751.6 | -1,235.7 | -0.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 66,769.7 | -3,217.1 | -4.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 64,152.6 | -3,342.1 | -5.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,603.1 | 141.8 | 5.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 14.0 | -16.7 | -54.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,694.6 | 11,394.6 | -1,300.0 | -10.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,237.2 | 10,938.7 | -1,298.5 | -10.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 448.2 | 447.2 | -1.0 | -0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 8.6 | -0.6 | -6.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 115,387.0 | 115,805.6 | 418.6 | 0.4 | 216,387.4 | 218,787.5 | 2,400.1 | 1.1 |
| 1. Numerario en circulación | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 115,805.6 | 418.6 | 0.4 | 115,387.0 | 115,805.6 | 418.6 | 0.4 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 256,518.6 | 18,250.7 | 7.7 | 238,267.9 | 256,518.6 | 18,250.7 | 7.7 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 353,654.9 | 372,324.2 | 18,669.3 | 5.3 | 454,655.4 | 475,306.1 | 20,650.7 | 4.5 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 30,405.2 | 222.7 | 0.7 | 30,182.5 | 30,405.2 | 222.7 | 0.7 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 55,723.2 | 4,701.4 | 9.2 | 51,021.8 | 55,723.2 | 4,701.4 | 9.2 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 86,128.4 | 4,924.1 | 6.1 | 81,204.3 | 86,128.4 | 4,924.1 | 6.1 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 102,981.9 | 1,981.4 | 2.0 | 434,859.2 | 458,452.6 | 23,593.4 | 5.4 | 535,859.7 | 561,434.4 | 25,574.7 | 4.8 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 713.3 | 97.3 | 15.8 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 2,559.6 | 1,386.9 | 118.3 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 12,045.2 | 4,659.9 | 63.1 | -.- | -.- | -.- | -.- |